Business Analyst - Strategic Finance

Overview

This role is part of the Finance team and spans financial planning & analysis and capital markets. You will own key elements of forecasting and planning cycles, build portfolio- and merchant-level analytics to support strategic decisions, and help execute the organization’s funding strategy and lender relationships.

You will report to the Director of FP&A and partner day-to-day with the VP of FP&A and the VP of Capital Markets.

Responsibilities

Business & Portfolio Analytics

• Build merchant- and product-level unit economics and net cash flow analysis to inform pricing, growth, and capital allocation decisions
• Use SQL and large operational datasets to create data models, dashboards (e.g., Tableau, Snowsight), and self-serve reporting
• Support monthly financial review materials and ad-hoc analyses for executive questions
• Monitor competitor and market performance and synthesize implications for the business

Forecasting & Financial Planning

• Support quarterly Outlook forecasts and the annual budget and plan across originations, portfolio performance, and profitability
• Build and maintain components of the corporate forecasting model, including portfolio performance analysis across payment behavior, delinquency roll rates, and charge-offs
• Develop scenario and sensitivity analyses to support strategic decisions and stress-test liquidity positions
• Analyze variances versus budget and outlook, translating drivers into clear narratives for senior leadership

Capital Markets

• Support the VP of Capital Markets in managing asset-backed debt facilities, including covenant compliance monitoring, borrowing base reporting, and analyses supporting draws and repayments
• Help prepare investor and lender communications, portfolio analyses, and materials for investor meetings
• Develop credit performance forecasts (e.g., delinquency, prepayment behavior) to inform funding strategy and capital planning
• Research capital markets trends, funding innovations, and peer strategies

Cross-Functional Collaboration

• Partner with Risk, Accounting, Sales, and Operations teams to align forecasts, metrics, and reporting logic
• Improve internal processes, automate workflows, and leverage modern tooling (including AI) to increase the speed and accuracy of analysis

Requirements

• Bachelor’s degree in Finance, Economics, Business, Engineering, or a quantitative field
• 2–5 years of experience in data/business analytics, FP&A, strategic finance, capital markets, investment banking, or financial services analytics
• Expertise in writing SQL for data analysis, metric reporting/tracking, and creating datasets
• Experience working with large, complex datasets to solve ambiguous, open-ended problems
• Strong curiosity about the “why” behind the numbers, with the ability to follow evidence to identify root causes and actionable insights
• Confidence supporting multiple senior stakeholders and prioritizing across competing workstreams
• Excellent written and verbal communication skills, including the ability to distill complex analysis into concise takeaways
• Ability to thrive in a fast-paced environment with ambiguous problems and evolving priorities

Preferred Qualifications

• Experience in consumer finance, particularly subprime or non-prime lending
• Foundational knowledge of asset-backed lending, securitization, and debt capital markets
• Python experience for financial analysis and forecasting
• Demonstrated experience using BI tools (e.g., Tableau) to build dashboards and track KPIs
• Experience applying AI tools to accelerate analysis and reporting

Compensation & Benefits

• Salary Range: $101,000–$131,000 per year (depending on experience and location)
• Additional Compensation: Eligible to participate in a company bonus plan
• Benefits include:
  • Comprehensive medical, dental, and vision coverage
  • 20 PTO days + 11 paid holidays
  • 401(k) retirement with company matching
  • Student Loan & Tuition Reimbursement
  • Commuter assistance
  • Parental leave (maternal + paternal)
  • Inclusion and Associate Engagement Programs

Location

Richmond, VA; Arlington, VA; or Remote (U.S.). Associates near one of the office locations may work in-office, hybrid, or remotely. Remote opportunities are available to candidates throughout the United States.

Applications will be accepted until position is filled.